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ഭവനശ്രീ വായ്പാപദ്ധ


_m¦n \n¶pw `h-\-hmbv] FSp¯p IrXy-ambn Xncn-¨-Shp \S-¯n-h-cp¶ CS-]m-Sp-ImÀ¡pw, ]pXnb CS-]m-Sp-ImÀ¡pw hoSnsâ Câo-cn-bÀ sU¡-td-j³, tkmfmÀ ]hÀknÌw LSn-¸n-¡Â, tIm¼uണ്ട v hmÄ, {SÊv hÀ¡v, emâvv kvtI¸v, ag-sh-ff kw`-cWn F¶nh \nÀ½n-¡p-¶-Xn\v 10 e£w cq]-hsc Xmsg]d-bp¶ \n_-Ô-\-IÄ¡p hnt[-b-ambn hmbv]-bmbn A\p-h-Zn-¡m-hp-¶-Xm-Wv.

*\ne-hn-epÅ `h\ hmbv] bmsXmcp hogvNbpw hcp-¯msX IrXy-ambn Xncn-¨-S-¨p-sImണ്ടn-cn-¡p-¶-hÀ¡pw ]pXnb CS-]m-Sp-ImÀ¡pw Cu hmbv]¡v AÀl-X-bp-­ണ്ടm-bncn-¡pw.

  1. *hmbv]bv¡p Imem-h[n BZy-hm-bv]-bpsS Imem-h[n Ah-km-\n-¡p-¶-Xn\v Hcp-amkw ap¼v hsc (]c-am-h[n 100 amkw) Bbn-cn-¡pw.

  1. *km[m-cW hmbv]-bpsS \n_-Ô-\-IÄ Cu hmbv]bv¡pw _m[-I-am-Wv.

  2. *\ne-hn-epÅ hmbv]-bpsS CuSpw Xncn-¨-Shp tijnbpw ]pXnb hmbv]bv¡pw _m[-I-am-t¡-­-ണ്ടXm-Wv.

  3. *\ne-hn-epÅ CuSvhkvXp-hn\v ]pdsa HcmÄ Pmayw \nÀ_-Ô-ambpw Dണ്ടm-bn-cn-¡-Ww.

  4. *]eni AXm-Xp-Imew _m¦v `c-W-k-anXn \nivN-bn-¡p¶ \nc-¡n CuSm-¡p-¶-Xm-Wv. Ct¸mÄ 14% Bbn \nP-s¸-Sp-¯n-bn-cn-¡p-¶p. IpSn-Èn-I-bm-bm IpSn-Èn-I-Xp-Ibv¡v 3% \nc-¡n ]ng-]-eni CuSm-¡p-¶-Xm-Wv.

  5. *apgp-h³ XpIbv¡pw Klm³ cPn-ÌÀ sNt¿-­-ണ്ടXm-Wv.

  6. *]pXnb CS-]m-Sp-ImÀ¡v km[m-c-W-hm-bv]bv¡v _m[-I-amb Imem-h[n, Xncn-¨-Shv, Pmay-hy-hØ XpS§n FÃm \n_-Ô-\-Ifpw _m[-I-am-bn-cn-¡pw.

  7. *hmbv]-bpsS Xncn-¨-Shv EMI Scheme A\p-k-cn-¨m-bn-cn-¡pw.


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സാധാരണ വായ്പ (പ്രൊ

*F³Pn-\o-b-dnwKv, saUn-¡Â tImgvkp-IÄ (Fw.-_n.-_n.-F-kv, _n.-Un.-F-kv, _n.-F.Fw.Fkv _n.-F-¨v.-Fw.-F-kv., _n.-F-kv.-kn. t\gvkn-§v) Fw.-_n.-F., Fw.-kn.-F., Fw.-F-kv., Fw.-Un.-, Fw.-Un.-F-kv.,-Fw.-F-kv.-U-»y-. തുടങ്ങിയ s{]m^-j-WÂ tImgvkp-IÄ¡pw _m¦v AwKo-I-cn-¡p¶ CXc tImgvkp-IÄ¡pw ]Tn-¡p-¶-Xn\p th­ണ്ടിbmWv Cu ]²Xn {]Im-c-ap-ff hmbv] A\p-h-Zn-¡p-¶-Xv.

*tIc-f-¯n-\-I¯pw ]pd-¯pw hntZ-i-¯pap-ff Kh¬saâv/kl-I-cW/ Kh¬saâv AwKo-IrX ss{]häv Øm]-\-§-fn hnZ-ym-`-ymkw \S-¯p-¶-Xn\p am{Xta Cu ]²Xn {]Imcw hmbv] A\p-h-Zn-¡p-I-bp-Åp.

*]c-am-h[n hmbv]m-¯pI 25 e£w cq]-bm-bn-cn¡pw. ]Tn-¡p¶ Øm]-\-¯nsâ tae-[n-Im-cn- ip]mÀi sN¿p¶ apd¡v Hmtcm ska-Ì-dn\pw Bh-i-y-apÅ XpI hmbv]bn \n¶pw _Ô-s¸« A[n-Im-cn-bpsS t]cn Unamâv {Um^vämbn hnX-cWw sN¿p-¶-Xm-Wv. ]pkvXIw, ]T-\-km-a-{Kn-IÄ XpS-§n-bh hm§p-¶-Xn-\p-ff XpI ]W-ambn hnX-cWw sN¿p-¶-Xm-Wv. tImgvknsâ {]mY-anI sNe-hn-\p- th­ണ്ടn hcp¶ XpIbpw ]W-ambn \ÂIm-hp-¶-Xm-Wv. hntZ-i¯v ]Tn-¡p-¶-Xn\v thണ്ടി A\p-h-Zn-¡p¶ hmbv]-I-fn ]mkvt]mÀ«v, hnk, -F-bÀSn-¡äv F¶nh lmP-cm-¡p-I-bm-sW-¦n hmbv]-¯pI ]W-ambn hnX-cWw sN¿m-hp-¶-Xm-Wv.

*s{]m^-j-W tImgvkn-te¡v {]th-i\w e`n¨ Ip«n¡v 18 hbÊv XnI-ªn-«p-sണ്ട¦n Ip«n-bpsS t]cnepw ]Xn-s\«v hb-Ên Xmsg-bmWv {]mb-sa-¦n c£-IÀ¯m-¡-fpsS t]cn-ep-am-bn-cn¡pw hmbv] A\p-h-Zn-¡p-¶-Xv. Cu hmbv]-bn c£-IÀ¯mhv/hnZ-ymÀ°n co-obligant Bbn-cn-¡pw.

*s{]m^-j-W tImgvkn-\vv {]th-i\w e`n¨p F¶Xv sXfn-bn-¡p-¶-Xn-\m-h-i-y-amb kÀ«n-^n-¡äv {]th-i\w e`n¨ Øm]-\-¯n \n¶pw lmP-cm-t¡ണ്ട-­-Xm-Wv.

*രണ്ട് e£w cq] hsc-bp-ff hmbv]-IÄ c£-IÀ¯m-hns\ IqSmsX Hcp DtZ-ym-KØ Pma-y-¯n A\p-h-Zn-¡p-¶-Xm-Wv. AÑ\pw A½bpw DtZ-ym-K-Ø-cm-sW¦n aäv DtZ-ym-KØ Pmayw \njvIÀjn-t¡-­-ണ്ടXn-Ã. AÑsâ/A½-bpsS t]cn-emWv hmbv] A\p-h-Zn-¡p-¶-sX-¦n ChÀ c­ണ്ടp t]cpw DtZ-ym-K-Ø-cm-sW-¦nepw aäv DtZ-ym-KØ Pmayw \njvIÀjn-t¡ണ്ട-­-Xn-Ã. രണ്ടു e£-¯n\p apI-fn-ep-ff hmbv]-IÄ hmbv]-¯p-I-bpsS 170% aXn¸v hne-bp-ff hkvXp-hnsâ CuSn-t·Â A\p-h-Zn-¡p-¶-Xm-bn-cn-¡pw. F¶m AÑ-\-½-amÀ DtZ-ym-K-Ø-cm-sW-¦n hmbv]-¯p-I-bpsS Xpe-y-hne aXn-¡p¶ CuSp hkvXp aXn-bm-Ip-¶-Xm-Wv.

*hnZ-ym-`-ymk hmbv]-bpsS Imem-h[n tImgvknsâ ssZÀL-yhpw {]tX-y-I-X-Ifpw A\p-k-cn¨v ]c-am-h[n 100 amkw hsc A\p-h-Zn-¡m-hp-¶-Xm-Wv. ]T\ Imem-h[n Ign-bp-¶Xp hsc amkw tXmdpw ]eni am{Xw AS-¨m aXn-bm-Ip-¶-Xm-Wv. ]T\w Ignªv Ggmw amkw apX apXepw ]en-ibpw {]Xn-amk Xh-W-I-fmbn AS-¨p-XoÀt¡ണ്ട-­-Xm-Wv.

*hmbv]m {]am-W-§Ä lmP-cm-¡p¶ apdbv¡v enanäv am{Xw A\p-hZnt¡ണ്ടXpw hmbv]m-¡m-csâ Bh-i-y-¯n-\-\p-k-cn¨v ckoXp hm§n hmbv]m-¡-W-¡n sNe-sh-gp-tXണ്ട-­-Xp-am-Wv.

*km[m-cW hmbv]bv¡v _m[-I-amb asäÃm hy-h-Ø-Ifpw Cu hmbv]bv¡v _m[-I-am-bn-cn-¡p-¶-Xm-Wv.


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സംഘങ്ങൾക്കുള്ള ഭവന

  1. kwLw Poh-\-¡mÀ¡v _m¦v t\cn«p \ÂIp¶ `h\ \nÀ½mW hmbv]-IÄ¡v Cu D]-\n-_-Ô-\-IÄ _m[-I-am-bn-cn-¡pw.

  2. Fd-Wm-Ipfw PnÃ-bn ]pXnb hoSp-IÄ \nÀ½n-¡p-¶-Xn-\pw, hoSv/^vfmäv hm§p-¶-Xn\pw Cu ]²Xn {]Imcw hmbv]-IÄ A\p-h-Zn-¡p-¶-Xm-Wv.

  3. hyh-Ø-IÄ:

F) Cu hmbv] A\p-h-Zn-¡p-¶-Xn\v At]-£-Isâ hmbv] Xncn-¨-S-bv¡p-¶-Xn-\pÅ Ignhv \nÀ®m-bI LS-I-am-bn-cn-¡pw.

_n)At]-£-I³ Fd-Wm-Ipfw PnÃ-bn Ønc Xma-k-¡m-c-\m-bn-cn-¡-Ww.

kn)At]-£-Isâ t]cn-tem, `mcy-bp-sStbm/`À¯m-hn-sâtbm t]cntem Cu PnÃbn hoSv D­ണ്ടm-bn-cn-¡p-hm³ ]mSp-Å-X-Ã.

Un)hoSv \nÀ½n-¡p-hm³ Dt±-in-¡p¶ Øew At]-£-Isâ kz´w t]cnepw aäp _m²y-X-IÄ CÃm-¯-Xp-am-bn-cn-¡-Ww.

C)At]-£-I\v Cu _m¦n t\cn«v _m²y-X-IÄ D­ണ്ടm-bn-cn-¡p-hm³ ]mSp-Å-X-Ã.


  1. hmbv]m ]cn[n

]c-am-h[n A©p-e£w cq] hsc hmbv] A\p-h-Zn-¡m-hp-¶-Xm-Wv. i¼f _m¡n-bpsS ASn-Øm-\-¯n ]cn[n \nÝ-bn-¡p-¶-Xm-Wv. hmbv]m XpI-bpsS Hmtcm 50,000/þ cq]¡pw `mK-¯n\pw dn¡-hdn Ign¨v sam¯w i¼-f-¯nsâ 25% ¯n\p ]pdsa 500 cq] {]Imcw an¨ i¼fw D­ണ്ടm-bn-cn-¡-Ww.

  1. _m¦nsâ \nb-tam-]-tZ-ãm-hnsâ D]-tZ-i-¯n\pw, _m¦v \ntbm-Kn-¡p¶ DtZym-KØsâ At\z-jW dnt¸mÀ«n\pw hnt[-b-ambn _m¦nsâ hnth-N-\m-[n-Imcw A\p-k-cn-¨m-bn-cn¡pw hmbv]-IÄ A\p-h-Zn-¡p-I. _m¦v \nÝ-bn-¡p¶ \nc-¡n eoK ^okv, hkvXp ]cn-tim-[\m ^okv XpS-§n-bh At]-£-I³ _m¦n ap³Iq-dmbn AS-¨n-cn-¡-Ww.


  1. hmbv]m ]cn-[nbpw kz´w apXÂap-S-¡pw.

Cu ]²Xn {]Im-c-apÅ hmbv]-¯pI hn\n-tbm-Kn-¨pÅ sI«nS \nÀ½m-W-¯n At]-£-Isâ hnln-X-ambn FÌn-taäv XpI-bpsS 30 iX-am-\-¯n Ipd-bm¯ XpI apS¡nbncn-t¡ണ്ട-­-Xm-Wv.


  1. hmbv]m Imem-h[n

hmbv] Xncn-¨-S-bv¡p-¶-Xn-\pÅ Imem-h[n ]c-am-h[n 15 hÀj-am-bn-cn-¡pw. hmbv]bpsS BZy-KUp hm§n ]{´­p amk-¯n-\p-Ån \nÀ½mWw ]qÀ¯o-I-cn-t¡-­-ണ്ടXm-Wv. hmbv]-bpsS BZy-KUp hnX-cWw sNbvX-Xnsâ ASp¯ amkw apX ]eni Xncn-¨-Shv XpS-t§ണ്ട-­-Xm-Wv. hmbv]¯h-W-IÄ BZy-K-Up-hm§n 13þmw amkw apX amk-¯-h-WI-fmbn Xncn¨-S-bvt¡-­-ണ്ടXm-Wv.

hmbv]m apXepw ]en-ibpw CtIz-äUv hyh-Ø-bn {]Xn-amk Xh-W-I-fmbn Xncn-¨-Shv A\p-h-Zn-¡p-¶-Xm-bn-cn-¡pw. F¶m hmbv] kwJy apgp-h-\mtbm `mKo-I-amtbm AS-bv¡m-hp-¶-Xm-Wv. apgp-h-\mbn AS¨p XoÀ¡p-¶-hÀ hmbv]m apX-en\v AXp-h-sc-bpÅ \nÝnX \nc-¡n-epÅ ]eni AS-bvt¡ണ്ട-­Xpw, `mKo-I-ambn AS-bv¡p-¶-hÀ¡v ]n¶oSv CtIz-äUv hyhØ Xh-W-I-fm-bpÅ hmbv]m Xncn-¨-Shv Xh-W-IÄ \nÀ¯Â sN¿p-¶Xpw _m¡n \nev]v hmbv] apX Xpey KUp-¡-fmbn hmbv]m-¡m-em-h-[n-¡Iw ]eni klnXw Xncn-¨-S-bvt¡-­-ണ്ടXp-am-Wv.


  1. At]-£-It\m Pmay-¡m-ct\m kÀÆo-kn \n¶p hnc-an-¡p-Xn\p Bdp-amkw ap¼mbn hmbv]-¯pI AS-¨p-XoÀ¡¯¡ hn[-¯n hmbv]m Imem-h[n \nÝ-bn-¡p-¶-Xm-Wv.


  1. ]eni: _m¦v AXm-Xp-Imew \nÝ-bn-¡p¶ \nc-¡n Npa-¯p-¶-Xm-Wv. hmbv]-bpsS amk-K-Up-¡Ä IrXy-ambn AS-¨n-sÃ-¦n KUp-kw-Jybv¡v {]Xn-hÀjw hmbv]m-]-en-ibv¡p ]pdsa 3% IqSnb \nc-¡n ]ng-]-eni CuSm-¡p-¶-Xm-Wv.


  1. CuSv


Cu hmbv] D]-tbm-Kn¨v ]Wn-bp¶ hoSpw Øehpw _m¦n\v CIzn-ä-_nÄ tamÀ«vtKPv/Klm³ Bbn ]Wbw \ÂtI-­-ണ്ടXm-Wv. Klm³ {]Imcw cPn-ÌÀ sN¿m³ Ign-bm¯ ]cn-X-Øn-Xn-bn c­ണ്ടp e£-¯n\p apI-fn-epÅ hmbv]-IÄ¡p \nÝnX XpI-bv¡pÅ ]W-bm-[mcw cPn-ÌÀ sNbvXn-cn-t¡-­-ണ്ടXm-Wv.


  1. hmbv]m hnX-c-Ww.


Cu ]²Xn {]Im-c-apÅ FÃm hmbv]-Ifpw Xmsg ImWn-¨n-cn-¡p-¶-hn[w \mep KUp-¡-fmbn hnX-cWw sN¿p-¶-Xm-Wv. Hmtcm KUp hnX-cWw \S-¯p-t¼mgpw KUp XpI-bpsS 30% hcq¶ kwJy At]-£-Isâ hnlnXw IW-¡m¡n Ipdhp sN¿p-¶Xpw B XpI Ah-km\ KUp-hn-t\m-sSm¸w \ÂIp-¶-Xp-am-Wv. F¶m At]-£-I³ IqSp-X XpI hn\n-tbm-Kn-¨n-«p-Å-Xmbn amt\-PÀ¡v t_m[y-s¸-«m apgp-h³ KUp kwJybpw hmbv]-¡m-csâ tcJm-aq-e-apÅ At]-£-bn-t·Â hnX-cWw sN¿m-hp-¶-Xm-Wv.

H¶mw KUp þ hmbv]-¯p-I-bpsS 20%

ണ്ടmw KUp þ hmbv]-¯p-I-bpsS 40%

aq¶mw KUp þ hmbv]-¯p-I-bpsS 30%

\memw KUp þ hmbv]-¯p-I-bpsS 10%

A\p-h-Zn-¡-s¸« hmbv]-¯pI hm§p-¶-Xn-\m-h-iy-amb \nÀ±nã {]am-W-§fpw At¶ Xob-Xn-h-sc-bpÅ _Ô-s¸« hkvXp-hnsâ IpSn-¡nS kÀ«n-^n-¡äpw {_m©n lmP-cm-¡p¶ apdbv¡v hmbv]-¯p-I-bpsS 20% hnX-cWw sN¿p-¶-Xm-Wv. sI«n-S-¯nâ Xd-]Wn ]qÀ¯n-bm-bn-¡-gn-ªm hmbv]-¯p-I-bpsS 40 iX-am-\-hpw, ta¡qc-bpsS ]Wn ]qÀ¯n-bm-bn-¡-gn-ªm hmbv]-¯p-I-bpsS 30 iX-am-\-hpw, sI«nSw ]qÀ¯n-bm-¡p¶ apdbv¡v dqÄ 14 \p hnt[-b-ambn Ah-km\ KUp-hmb 10 iX-am-\hpw hnX-cWw sN¿p-¶-Xm-Wv.

  1. hmbv]m-t]-£-IÄ \nÝnX t^md-¯n \nÀt±-in-¨n-«pÅ {]am-W-§fpw tcJ-Ifpw klnXw kaÀ¸n-t¡ണ്ട-­-Xm-Wv.

  2. hmbv]m-kwJy Xncn-¨o-Sm-¡p-¶-Xn\v _m¦v kzoI-cn-¡p¶ bpà-amb \nb-a-\-S-]-Sn-IÄ¡v hmbv]-¡m-c\pw Pmay-¡m-c\pw hnt[-b-cm-bn-cn-¡pw.

  3. Cu ]²-Xn-{]-Im-c-apÅ hmbv] hn\n-tbm-Kn¨v \nÀ½n-¡p¶ hoSv hmbv]-¯p-I-bpsS Ah-km\ KUp e`n-¡p-¶-Xn\v ap¼mbn _m¦n-tâbpw hmbv]-¡m-c-sâbpw Iq«mb t]cn hmbv]m Imem-h-[n-hsc C³jqÀ sNbvXn-cn-¡-Ww.

  4. hmbv]-bpsS BZy-KUp hm§n 12 amk-¯n-\Iw sI«n-Sw-]Wn ]qÀ¯n-bm-¡m¯]£w hmbv]m hnX-cWw \nÀt¯-­ണ്ടXpw hmbv]-¡m-csâ At]£ hm§n ssI¸-änb hmbv]-¯p-I-bpsS ASn-Øm-\-¯n Xncn-¨-Shv ]p\À\nÀ®bw sNt¿-­-ണ്ടXp-am-Wv.

  5. At]-£-tbm-Sp-IqSn lmP-cm-t¡­ {]am-W-§Ä.

  1. sI«n-S-¯nsâ ¹m\pw FÌn-ta-äpw.

  2. sI«nSw ]Wn¡v AwKo-Imcw Bh-iy-am-sW-¦n AXn\v B[n-Im-c-s¸« DtZym-KØsâ kÀ«n-^n-¡äv/NOC.

  3. tae-[n-Imcn \nÝnX ^md-¯n \ÂIn-bn-«pÅ i¼f kÀ«n-^n-¡-äv.

  4. hmbv]m Xh-W-IÄ AXm-Xp-am-ks¯ i¼f¯n dn¡-hdn \S¯n AS-¨p-sIm-Åm-sa¶v k½-Xn-¨pÅ kmedn dn¡-hdn F{Kn-saâv lmP-cm-¡Ww.

  5. 15 hÀjs¯ IpSn-¡S kÀ«n-^n-¡-äv.

  6. s]mÊ-j³ & t\m¬ Aäm-¨vsaâv kÀ«n-^n-¡-äv.

  7. semt¡-j³ kvsI¨v.

  8. X³hÀjs¯ sI«n-S-\n-IpXn/`q\n-IpXn AS¨ cko-Xv.

  9. hkvXp-hnsâ AÊÂ B[m-chpw ap¶m-[m-c-hpw.


  1. Cu \n_-Ô-\-I-fnepw hyh-Ø-I-fnepw amäw hcp-¯p-¶-Xn-t\m, ]pXp-¡p-¶-Xn-t\m, Iq«n-t¨À¡p-¶-Xnt\m _m¦v Ub-d-ÎÀ t_mÀUn\v A[n-Im-c-ap-­ണ്ടm-bn-cn-¡p-¶-Xm-Wv. A§s\ amäw hcp-¯p¶ hyh-Ø-IÄ ]men-¡p-hm³ hmbv]-¡m-c³ _m²y-Ø-\m-Wv.

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